Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,339 | +0.390% | 137 | |
2 | The Dart Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,359 | +0.399% | 136 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$233 | +0.676% | 70 | |
4 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,069 | +0.407% | 117 | |
5 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,256 | +0.313% | 41 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $625 | +0.467% | 30 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,269 | -0.015% | 14 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,184 | +0.570% | 257 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,328 | +0.343% | 28 | |
10 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,911 | +0.411% | 101 | |
11 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,964 | +1.012% | 35 | |
12 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,608 | +0.569% | 33 | |
13 | STAUNTON FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $2,342 | +0.346% | 33 | |
14 | MORTGAGE 1 INCORPORATED | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,589 | +0.627% | 80 | |
15 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,078 | +0.982% | 30 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,075 | +0.923% | 88 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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